Offshore support and virtual assistants for Australian insurance brokers, honestly compared
9 offshore staffing, processing and virtual assistant services for Australian insurance brokers compared on published price, team location, software and terms.
We run one of the services on this list. DotVA places offshore VAs from 10 hours a week, and you direct the person yourself. If you would rather buy a defined list of processing tasks at a flat monthly price than hours of one person’s time, a specialist processing service is the better fit. If you want a dedicated broking assistant from a provider that holds ISO 27001 certification, several offshore staffing providers below offer that and we do not: our VAs work from home and we do not hold that certification. That is the most useful thing we can tell you, so it comes first.
The method is the same as our comparison of Australian VA agencies. Every claim about another provider comes from its own website, checked on 11 November 2026 and linked beside the claim. Where a figure is not published we write “not stated publicly” rather than guess, and where a site does not say where its team is, we do not assume.
If you are earlier than shortlisting and want to see what a VA does across the renewal cycle, start with our insurance broker page.
The services at a glance
| Service | What it is | Published price | Where the team is | Broking software named | Terms |
|---|---|---|---|---|---|
| DotVA insurance broker virtual assistant (that’s us) | Managed offshore VA: one dedicated person who works to your direction | $12-17/hr admin, $18-25/hr specialist (processing), AUD ex GST, from 10 hrs/week | Philippines, working Australian business hours | WinBEAT, CBS, INSIGHT, Sunrise Exchange | No lock-in contract; stop any time in the first 14 days, then 30 days’ notice; free replacement any time; $500 deposit, credited to your first invoice |
| Posh Workbytes | Specialist processing service for general insurance brokers, sold as monthly plans by scope of tasks | Starter $2,399, Professional $2,799, Premium $3,299 a month, AUD ex GST; custom plan on enquiry (hours and volume per plan not stated) | Delhi, India; head office in Brisbane | INSIGHT, WinBEAT, Sunrise, SCTP | Term and notice not stated on the page; invoiced monthly; prices subject to an annual CPI review |
| hammerjack | Dedicated offshore staff in insurance roles, among them broking assistant, claims specialist and renewals coordinator | Indicative pricing through an online calculator, in AUD excluding GST; no figures in the page text; hours not stated | Philippines: operations in Manila and Pampanga | None named in the page text | Contract term and notice not stated on the pages we read; a 6-month replacement guarantee tile is shown, with no conditions given |
| VA Platinum | Dedicated offshore team member for claims, policy administration and underwriting support, “full-time or part-time, not a shared pool” | Not stated publicly for insurance roles: a fixed monthly rate, quoted after a discovery call | Philippines; its insurance page says offshore | None named | Not stated on the pages we read |
| ASW Global | Dedicated remote insurance processing staff; each is “a full-time dedicated employee” | Not stated publicly: “a flat, fixed, all-inclusive monthly fee”, with no set-up or recruitment fees | Philippines, Malaysia, Vietnam or Thailand | None named | No lock-in contracts; notice not stated |
| Outsourced | Dedicated offshore staff; its FAQ says staff work full time. The role page is headed “Hire Dedicated Offshore Insurance Brokers” | Not stated publicly: salary plus a fixed monthly service fee, with a one-time setup fee and a one-month security deposit | Philippines | None named | Month to month; 12-month replacement guarantee; 30-day notice period |
| MicroSourcing | ”full-time, dedicated teams” for insurance: claims processors, policy administrators, underwriting support | Not stated publicly; no pricing model on the pages we read; no headcount minimum | Service delivery centres in the Philippines and Colombia | None named | Not stated on the pages we read |
| Twoconnect | Offshore staffing for claims, policy administration and underwriting support; its FAQ lists broker support officers among the roles | Not stated publicly; no pricing model on the pages we read | Philippines | Guidewire, Duck Creek Technologies, Applied Epic, Vertafore and Xactware named in its FAQ; WinBEAT, CBS, INSIGHT and Sunrise not named | Home page: “No lock in contracts”; notice not stated |
| Beepo | Outsourced staff for insurance claims processing; the page speaks to insurance companies and also mentions broker support officers’ tasks | Not stated publicly: “a simple monthly fee” | Philippines: office in Clark Freeport Zone | None named | Term and notice not stated on the pages we read; its FAQ answers “Can I hire part-time staff?” with “No, we generally recommend you work with full-time staff” |
Checked on each provider’s own pages on 11 November 2026. “Not stated publicly” means we could not find the figure on the provider’s public pages; it is an observation, not a criticism.
Three more are worth knowing about, though they are not part of the comparison. Satellite Office builds offshore teams in the Philippines; its insurance page is written for insurers and names iBAIS and Ebix among the platforms it lists. BruntWork bills an all-inclusive hourly rate from 20 hours a week, month to month; its insurance page is general, not written for brokers or for Australia; a quote tool on its pricing page shows approximate hourly rates in USD. Waboom AI is an AI voice agent that answers a brokerage’s calls, which is a different product.
Our row in full is on pricing. If a 30-minute call beats ten tabs, book a discovery call, and if another row fits your brokerage better we will tell you on the call.
Three products share one label
- A specialist processing service on a monthly plan (Posh Workbytes). A team does a defined list of broking tasks for a flat fee. Its Starter plan lists client cards, quoting for new business and sending certificates of currency; Professional adds electronic endorsements and remarketing for renewals; Premium adds claims lodgement, claims follow-up and manual quotes. Its page says quotes are sent “back to broker to check and present to their clients”. It does not state the hours or volume a plan covers.
- An offshore staffing provider with insurance roles (hammerjack, VA Platinum, ASW Global, Outsourced, MicroSourcing, Twoconnect, Beepo). The provider recruits and supports a person or team who works for your business. The table shows what each says about price and hours. hammerjack lists a broking assistant role, which processes endorsements and generates new business quotes; VA Platinum lists endorsements, renewals and certificates of currency among its tasks. Twoconnect and Beepo address insurance companies on the pages we read. MicroSourcing publishes a case study of an Australian insurance broker with 18 staff in the Philippines (the roles it names are accountants, a data analyst and a broking administrator).
- A managed VA from 10 hours a week (DotVA). One dedicated person who works in your broking system on renewal preparation, certificates of currency, endorsement processing, claims follow-up and chasing unpaid premiums. We engage and pay the VA; you direct the work.
What the published prices come to
Where we have multiplied, that is our arithmetic, not the provider’s figure. All figures are before GST, and our monthly figures use 4.33 weeks.
| Option | Published price | What that comes to |
|---|---|---|
| DotVA admin VA | $12-17/hr | 10 hours a week: about $520-736 a month. 15 hours: about $780-1,104. 20 hours: about $1,040-1,470 |
| DotVA processing specialist | $18-25/hr | 10 hours a week: about $780-1,083 a month. 15 hours: about $1,169-1,624. 20 hours: about $1,559-2,165. 40 hours: about $3,118-4,330 |
| Posh Workbytes | $2,399, $2,799 or $3,299 a month, by plan | A flat fee for a scope of tasks (hours and volume not stated): $28,788, $33,588 or $39,588 a year |
| hammerjack | Indicative pricing through an online calculator, in AUD excluding GST | No figures in the page text; the rate is confirmed after scoping |
| VA Platinum, ASW Global, Outsourced, Beepo | A monthly fee, amount not published | Quoted on enquiry |
| MicroSourcing, Twoconnect | No pricing model stated on the pages we read | Not published |
Posh Workbytes prices by plan and does not state hours or volumes, so compare on the work you need done, not on the monthly figure alone. A plan buys a scope of tasks from a team. Hours buy one person who does what you direct, the shared inbox and pre-renewal packs included. We also take a $500 deposit, credited to your first invoice.
How to compare them
- Count the transactions and the hours. A steady stream of standard transactions suits a plan. A mixed load of processing, inbox and chasing suits a person.
- Ask about your broking system by name. Posh Workbytes names INSIGHT, WinBEAT, Sunrise and SCTP. The staffing pages we read do not name WinBEAT, CBS, INSIGHT or Sunrise, so ask for candidates who have used yours.
- Decide full-time or part-time first. Several staffing providers describe full-time staff. We start at 10 hours a week.
- Ask who checks the work before it reaches a client or an insurer. The answer should be your broker.
- Read the agreement as well as the marketing page. Ask for the term, notice period, deposit and any setup fee in writing.
Licensing: what ASIC’s guidance says
This is general information, not legal advice. It draws on two ASIC regulatory guides, RG 104 and RG 36. Both are guidance, not legislation, and each says of itself that it “does not constitute legal advice”. If you are an authorised representative rather than the licensee, the RG 104 obligations below sit with your licensee, so ask its compliance team before you outsource.
The licensee stays responsible. RG 104 is a guide for AFS licensees and licence applicants. RG 104.34 says: “If you outsource functions that relate to your AFS licence, you remain responsible for complying with your obligations as a licensee”. Under RG 104.36 ASIC expects a licensee to take due skill and care in choosing suitable service providers, to monitor their ongoing performance, and to deal appropriately with any actions that breach service level agreements or the licensee’s obligations.
Who may provide financial services. RG 104.35: “If a third party provides financial services to clients on your behalf, they will generally need to be your authorised representative or hold their own AFS licence”.
Factual information and advice. RG 36.23 says a recommendation or statement of opinion that is intended to, or can reasonably be regarded as being intended to, influence a client’s decision about a financial product is financial product advice, while communications that consist only of factual information “will generally not involve the expression of an opinion or a recommendation”. RG 36.24 adds that factual information presented in a way that may reasonably be regarded as suggesting or implying a recommendation may itself be advice, for example where two products are described so that one compares more favourably than the other. In ASIC’s general insurance example, a call centre operator who explains the differences in coverage between two motor policies and gives the quotes asked for is likely to be providing factual information; saying one of them is the best choice for most people is likely to be advice.
Dealing. RG 36.36 includes applying for or acquiring, issuing, varying and disposing of a financial product as dealing. RG 36.37 says arranging for a person to do those things is also dealing, unless it amounts to advice or an exemption applies. On our reading, that is relevant to endorsements, which change a policy.
Clerical work. The clerks and cashiers exemption is in section 766A(3) of the Corporations Act. RG 36.35 says conduct in the course of work of a kind ordinarily done by clerks and cashiers is not providing financial product advice. Its list includes answering routine questions by giving factual information, collecting payments, and “performing other routine or administrative functions that do not involve a judgement about what financial products, or classes of financial products, are appropriate or should be considered by a consumer”. A note adds that licensees must monitor and supervise their clerks and cashiers. RG 36.52 says this kind of work “is generally of a merely routine and administrative nature or a merely processing or receipting nature. It does not generally require technical competence or skills”, and is typically carried on by individual staff members. RG 36.53 says that for a corporation or a business, the aggregation of clerical activities “may (in many, but not all, cases) amount to a financial services business”, even if each activity is exempt on its own. On our reading, that can apply to an outsourcing provider as well as to you. Neither guide has a passage on offshore support staff, and neither says whether a contractor engaged through an outsourcing provider counts as a clerk.
Claims. ASIC’s INFO 253 says claims handling and settling services were previously excluded from the definition of a financial service, that the exclusion has been removed, and that the AFS licensing regime has applied to them from 1 January 2022. It lists the categories of provider that need a claims handling authorisation, among them insurance brokers who handle and settle claims on behalf of an insurer.
What the providers say. VA Platinum says outsourcing lets “your licensed staff focus on advice and clients” and that its claims staff work “under the direction of your licensed team”. hammerjack lists a certified broking assistant role as “RG146 Tier 2 certified”. Twoconnect says its insurance professionals are trained on “APRA and ASIC regulations”. Outsourced’s role page, which is not written specifically for Australia, says its offshore insurance brokers “advise clients on the best type of policies for their situation”. It does not mention AFS licensing or authorised representatives. On the pages we read, none of the providers says its staff are authorised representatives of a licensee.
Our own rule. Advice, recommendations, the decision on where a risk is placed and binding cover stay with you and your authorised representatives. Your VA prepares, processes and chases, with role-scoped access to your broking system and a written escalation rule for anything that edges toward advice. That is our policy, not a statement of what the law requires of your arrangement.
Privacy: client files go where the assistant is
Giving an overseas assistant access to client information is, in most cases, a cross-border disclosure under APP 8 of the Australian Privacy Principles: you must take reasonable steps to make sure the overseas recipient handles the information in line with the APPs, and you generally remain accountable if they do not. That applies to every offshore option on this page, ours included, where the Privacy Act applies to your business. Our guide to hiring an offshore VA legally covers the obligations.
Several providers say they hold ISO 27001 certification, among them hammerjack, VA Platinum, ASW Global, Outsourced and Satellite Office. Twoconnect says it uses ISO 27001-certified systems. We do not hold the certification. Our data security page sets out what we do: a signed confidentiality agreement before day one, every credential shared through a password manager, access scoped to what the task needs, and access revoked at offboarding. Our VAs work on their own computers, not a managed-device fleet.
Who should pick whom
- A defined list of processing tasks on Sunrise, SCTP, INSIGHT or WinBEAT at a flat monthly price: Posh Workbytes, from $2,399 a month AUD ex GST.
- A dedicated broking assistant, claims specialist or renewals coordinator from a provider that runs ISO 27001-certified workspaces: hammerjack, which operates in Manila and Pampanga.
- A dedicated team member, full-time or part-time, at a fixed monthly rate quoted after a discovery call: VA Platinum.
- A full-time team with a choice of country and no set-up fees: ASW Global, which offers the Philippines, Malaysia, Vietnam and Thailand.
- A dedicated offshore team quoted on enquiry: Outsourced, MicroSourcing, Twoconnect or Beepo.
- 10 to 30 hours a week from one dedicated person, managed for you, at a published hourly rate: that is where DotVA fits. See what the work looks like on our insurance broker page, and how we handle unpaid invoice chasing and inbox management.
Run your own numbers
Price your hours on the VA cost calculator and check our tiers on pricing. Mortgage brokers have their own comparison, and financial advisers have their own page. If the right answer for your brokerage is one of the other names in the table, we would rather you find that out now than in month two.